The domestic and work related responsibilities of most investors do not permit them to go deep into the intricacies of investment, insurance, finance, real estate and taxation. Common investors require investment advice that is simple, effective, easily understood and easily remembered. Few sectors are witnessing such explosive growth as the financial services sector. There is a crying need for properly trained financial advisors in India today.

Some of the investment options that we recommend in mutual funds are briefly described below. Depending upon your risk appetite, you can choose the option/s you are comfortable with. We are unapologetically conservative in our investment advice. Our focus is on safety, diversification, asset allocation and optimum returns. In the long term (10 years and above), we seek to achieve results well described by an old investment saying: “The ultimate objective of good investment is to obtain above average returns at below average risk.”

In March 1988, we wrote what we hoped was a simple paper on investment in the Indian stock market. The paper was intended to help beginners invest effectively in stocks and seasoned investors to revisit and reinforce certain crucial aspects of equity investment. We are gratified that our effort has benefited a larger than expected number of investors who made an honest attempt to implement the strategy it advocated.